American Express Global Reviews 5,220

They like to report a balance regardless if the card is at zero balance they just reported a balance from me from over 10 days ago when the card has been at a zero balance for over 10 days

American Express doesn't care about it's card holders, it lets businesses charge you and never deliver a product. And all the business has to do is say that you signed a contract or a receipt, they don't have to prove that they actually provided a good or a service. Worst financial service I have ever dealt with. I would not recommend them to anyone.

I am very surprised at the decline in Amex customer service. Based on my call with Amex Customer Service this afternoon and upon reading reviews after my call, I am very sad that I will have to leave Amex after more than 20 years and Excellent payment record. I had to recently retire for medical reasons and requested Amex lower monthly payment on one of my five accounts. They flatly said NO without any attempt to work with me. Please be aware that you many want to consider getting out of Amex before you need them to work with you in time of need.

Despite having been an excellent client for many years, Amex hit me twice with ludicrous interest charges for minor delays in payments (1 day). I reluctantly accepted the first charge but asked for a waiver the second time. They only responded by copying and pasting their harsh terms in a chatbox.
Goodbye Amex, I'm taking my payments business to Revolut: faster, fairer, cheaper.

Have been a customer for 44 years.
Recently purchased a clothing item for $80 from Barret & Mason. When I received the item it was a loose facsimile of the item pictured online and of very poor quality. The merchant advertised 30 day returns. Contacted merchant for return. After stalling by offering 10%, then 20% refunds to keep item they provided an address in China that would cost $300 for shipping.
After researching the merchant’s return address, found many warnings about scam. The location is a huge warehouse in San Jose, California used as a hub and clearing house for cheap products from China. Products having little to do with products advertised are shipped to customers and customers are seldom able to get their money back.
Contacted Amex claims to explain all of this and to request a chargeback due to fraud. Provided photos of the item received, screen prints of the item online and comments from some of the reviews online warning of scam.
Amex said that if I didn't like the product that I had the option to return it for refund. I reemphasized that a merchant who never acted in good faith by selling fraudulent goods and offering a return address that requires $300 shipping is clearly a scam. I also noted that if the product was as advertised and I simply decided that I didn't want it anymore that that would be a different case.
Amex refused to support me and suggested that I return the merchandise if I want a refund.
Very disappointed that Amex allows such callous people to decide the future of longtime customers.
Will instantly move my money out of Amex and will advise all of the corporations that I've helped to create over the decades to do the same. And they will.
Obviously $80 isn’t going to break the bank, but this is a matter of principle. Scam artists like Barret & Mason should not be allowed to operate. Apparently, the commission for an $80 purchase is worth more than a customer who has spent hundreds of thousands of dollars every year for nearly a half a century. Have had frequent encounters like this with Amex over the past couple years. Something important is changing there. Guess I'll get out while the getting is still good. Good riddance Amex!!!

Very poor customer "service". I have a platinum card. I often have problems with my statements. Today I wanted help making travel plans and their office was closed on Memorial Day. When do they think people have time to make plans? A lot of hype, a lot of money, poor service.

American Express card servicing especially with recurring charges authorization related matters is not customer friendly. I have requested Amex to place hard block on charges from an unknown merchant. My request was to stop those charges posting to my account in the future (placing hard block). They confirmed it’s taken care of. No luck. I continued seeing those transactions posted again and again. Their customer service is not good.

They often have a promotion offering a cash bonus for opening a new High-Yield Savings Account. I open an account and despite following the terms, American Express is refusing to pay out the bonus. Public consumer data shows that AmEx has done this exact same thing with many other customers. they will claim that "you didn't click the link". You tell me how you prove that? Cause it seems to me that is exactly the game they are playing- "allegedly". I will no longer be banking with them. Bottom line If I can't trust them with this, why would I ever trust them with anything?-especially my money. Just saying. there are waayyyy better options.

Been a member for more than 30 years. Received ransom letter saying my account was under review but if I paid them $2600 they would not review the account and just leave it alone. I declined to pay them, they reviewed what account and lowered the limit adversely effecting my credit by increasing debt to credit ratio. Account was never late or over limit until they made this change. I guess loyalty means nothing to them. Filed complaint with CFPB and their response is that they can do whatever the want, regardless of the harm it causes their customers. There are better cards out there with lower annual fees and better customer service, i would suggest avoiding American Express.

Today I cancelled my Amex card after 23 years. It would take too long to explain the whole story, but in a nutshell I have been waiting 2.5 months for Amex to investigate fraudulent activity in my account and now they say they can’t give me any information about it and the fraud team are refusing to even speak to me. I keep being passed around rude, unhelpful people who don’t understand my case. Everyone I speak to tells me something different. The customer service is truly appalling. Today is the second time I have been left in tears out of frustration. Avoid Amex at all costs.

Expect cough-spluttering representatives down the phone without apologising, failure and unwillingness to resolve your complaints in detail, and general mishandling and chaos from the very beginning.

What makes this review even more personal is that I even did work for these utter clowns. Decided to use their own services after some time, now i see the truth.

I was scammed sold on investment opportunities and I class myself as a vulnerable customer. Amex , in contrast to other creditors, sent me directly to collections, NCO Europe, with multiple disputed transactions. I'm dissatisfied with how they handled my complaint, didn't address the scam context at all. They said there was no service failure. What a load of bs! Probably written with Chatgpt.
Before the complaint outcome, I was even on the fraud team line and asked if my disputes are being looked into. They said yes, they are looking into everything. But months later, they are still chasing me for the debt from the investment scammer- the same kind of debt that was wiped from another financial institution which handled it properly!

Outside of the scam their card support was terrible anyway. Multiple times I tried to use the card on Paypal or whatever and it didn't go through. Tried immediately same transactions with my VISA issued cards. Worked straight away.

Their 'membership rewards' is just a lure /compromise for the terrible card support they have. Don't use this god forsaken business. They make up their pathetic rules. Use a financial institution with stronger/robust support in place with VISA or Mastercard.

I was a 14 year platinum member and unfortunately Amex customer service has declined horribly. My calls are always routed to a foreign call center, no knowledge of my account or years as a member, incorrect information and over charging. I was treated so badly and I cancelled my account never to return.

I have tried to get a priority pass card on 3 different occasions. 1st time they had no record of enrollment, second time the same no enrollment and now the 3rd time have to waits another 72 hours with likely no guarantee it will happen. So have been traveling and unable to use the lounge. I refuse to pay as it is a perk of having the platinum card. Don't get this card get a different card NOT AMEX!

Worst predatory credit card company. They extend you credit, but if you use it, then they threaten you with massive overpayment and cut your credit limit which crucifies your credit score. Stay away from this company, most companies won’t even take them because of the higher fees. I never missed a payment and was never late. And they pulled this stunt on me.

American Express took away half of my credit line when I increased usage. After being a member for 7 years, always paying on time and twice i have paid it down in bulk, thousands towards my bills. Also, my credit score is over 730. Why they did it, without ever granting me an increase of my credit limit? I don't know but clearly they don't do it based on the behavior of the consumer.

I opened a savings account from the link AMEX emailed me with an offer of $400 if I deposit $25K and keep it there for 2 months.
I never got my $400. When I called, they said it looks like someone sent me the link. I said I have that email from them with my name and my Platinum card number, and I can prove that I got the email with the link directed specifically to me.
They did not budge and kept saying I did not meet the terms and conditions.
Terrible experience! I thought they had a better reputation than this. I closed that savings account and will be closing my platinum card.
I do not wish to do business with scammers.

Hello to everyone reading this complaint. I truly hope this comment can lead to future changes in how American Express helps its customers. Early this morning, I mistakenly made a payment that was double my balance, and when I realized it two hours later, I called customer service (where I had to wait 30 minutes to be helped) to cancel the payment since it was still being processed. Initially, I tried to cancel it through the app where I made the payment, but there was no way to do so (other banks offer that option). In short, the agent told me there was no way to cancel a payment that hadn't even been processed yet. This upsets me because I can't believe a company like American Express can't help someone who makes a mistake and sends the wrong payment. It's unacceptable. I hope that in the future they can work on improving the app and making changes through it. Time is precious, and nobody wants to waste it.
The next step is to process the payment, then call again to cancel it, and wait seven days for the money to be refunded. It's not fair.

No consumer protection..Many merchants do not except them.Stay far away...

I used to love this card and recommended to so many friends, have been a loyal member for over 11 years and had to close my account today because it's not the card that will stand for you if you have a problem. I got scammed in Paris by a tour agency (they sold me fake tickets that were (of course) not honored at the Versailles Palace. When I disputed the charge with American Express and submitted a detailed explanation of the situation and all kinds of proof, they chose to believe a scamming company and not me (though like I mentioned before I have been a loyal customer for over 11 years and never disputed any transactions).
American Express is no longer what it used it be unfortunately. Consider a different card.

Terrible organization. I highly recommend going anywhere else. Poor customer service and communication.